Onboarding overview

Getting from sign-up to your first live payment takes a few steps. This page maps the whole journey and points you to the detail for each stage.

Your path to going live

1. Create your account

Create and activate your account — sign up, add your business details, and configure how you want to get paid.

2. Verify your business

Verification and approval — MONEI is a regulated payment institution, so we verify your identity and business (KYC) before approving your account. See which documents are needed and what each account status means.

Requirements differ by country — see onboarding by country.

3. Connect an acquirer (if needed)

If you use MONEI acquiring, this step is handled for you. If you'd rather bring your own acquirer, you can connect it — Redsys or Stripe — and use MONEI to orchestrate payments across processors and methods. It's incremental: start with your existing acquirer, then split traffic and add MONEI acquiring, payment methods, and features over time.

4. Go live

Once approved, configure your payment methods and start accepting payments. Developers should test and go live first.

Common questions

Why was my account or payout put on hold?

See why payouts are suspended or held for the common triggers and how to release funds.

Can my business type use MONEI?

Some categories are restricted — check restricted and high-risk businesses.